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- I believe you will receive information from your lender just hoping it is asap.


- I called 1-888 995 Hope today and explained to them my situation. My situation is as follows : I am current with my mortage payments, I sent in two hardhip paperwork one in Sept and one this week. Since I am current with my payments they keep closing my case. My rate doesn't adjust till March 08'. Now the counselor at hope told me they will send me a letter 60 days prior to my rate adjusting with the new payment and if I Know I cannot pay the new amount that is when I should ask for a hardship package. At the moment they are reviewing (the investors) for loan modifications those borrowers who are behind with their payments and not those who are current. But still there is no guarantee. They also send out an appraiser prior to a loan modification. This I don't know.
She also suggested that I go for a refinance , but I explained to her that the property value is low. She suggested that I continue to push the refinanace which I am currently working on. I hope it can be done. The counselor was so nice and understanding she also suggested that I call back later in january to see if I need help, hoping that I wont call back because I was able to refinance.